دانلود رایگان ترجمه مقاله مطالعه آزمایشی درک مشتریان از امنیت و اعتماد به سیستم پرداخت الکترونیکی – الزویر ۲۰۱۰
دانلود رایگان مقاله انگلیسی + خرید ترجمه فارسی | |
عنوان فارسی مقاله: |
مطالعه تجربی ادراکات مشتری از امنیت و اعتماد در سیستم های پرداخت الکترونیک |
عنوان انگلیسی مقاله: |
An empirical study of customers’ perceptions of security and trust in e-payment systems |
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مشخصات مقاله انگلیسی (PDF) | |
سال انتشار | ۲۰۱۰ |
تعداد صفحات مقاله انگلیسی | ۱۲ صفحه با فرمت pdf |
رشته های مرتبط با این مقاله | مدیریت، مهندسی کامپیوتر و مهندسی فناوری اطلاعات |
گرایش های مرتبط با این مقاله | تجارت الکترونیک، مدیریت کسب و کار، امنیت اطلاعات |
چاپ شده در مجله (ژورنال) | تحقیق و کاربردهای الکترونیک تجارت – Electronic Commerce Research and Applications |
کلمات کلیدی | سیستم های پرداخت الکترونیکی(EPS)، استفاده از EPS، تجارت الکترونیک، امنیت، اعتماد |
ارائه شده از دانشگاه | مدرسه کسب و کار، دانشگاه Yeungnam، کره جنوبی |
رفرنس | دارد ✓ |
کد محصول | F984 |
نشریه | الزویر – Elsevier |
مشخصات و وضعیت ترجمه فارسی این مقاله (Word) | |
وضعیت ترجمه | انجام شده و آماده دانلود |
تعداد صفحات ترجمه تایپ شده با فرمت ورد با قابلیت ویرایش | ۲۹ صفحه با فونت ۱۴ B Nazanin |
ترجمه عناوین تصاویر و جداول | ترجمه شده است ✓ |
ترجمه متون داخل تصاویر | ترجمه شده است ✓ |
ترجمه متون داخل جداول | ترجمه شده است ✓ |
ترجمه ضمیمه | ترجمه نشده است ☓ |
درج تصاویر در فایل ترجمه | درج شده است ✓ |
درج جداول در فایل ترجمه | درج شده است ✓ |
منابع داخل متن | به صورت فارسی درج شده است ✓ |
کیفیت ترجمه | کیفیت ترجمه این مقاله متوسط میباشد |
توضیحات | ترجمه این مقاله به صورت خلاصه انجام شده است. |
فهرست مطالب |
چکیده
۱-مقدمه
۲- مبانی نظری
۲-۱ سیستم های پرداخت الکترونیک
۲-۲ سیستم های پرداخت الکترونیک در تجارت الکترونیک بنگاه با مشتری و مشتری با مشتری
۲-۲-۱ پول نقد الکترونیک
۲-۲-۲ کارت پیش پرداخت
۲-۲-۳ کارت اعتباری
۲-۲-۴ کارت بدهی
۲-۲-۵ خلاصه
۲-۳ مرور منابع در خصوص مسائل امنیت و اعتماد در EPS
۳- مدل و فرضیات تحقیق
۳-۱ مدل تحقیق
۳-۲ فرضیات تحقیق
۳-۲-۱ حفاظت های فنی در EPS
۳-۲-۲ روش های تراکنش در EPS
۳-۲-۳ بیانیه های امنیتی در EPS
۳-۲-۴ امنیت ادراک شده در EPS
۳-۲-۵ اعتماد ادراک شده در EPS
۳-۳ اندازه گیری
۳-۳-۱ اندازه گیری حفاظت های فنی
۳-۳-۲ اندازه گیری روش های تراکنش
۳-۳-۳ اندازه گیری بیانیه های امنیت
۴-تحلیل داده ها و نتایج
۴-۱ روش
۴-۲ توزیع پرسشنامه
۴-۳ آزمون های پایایی و روایی
۴-۳-۱ آزمون روایی
۴-۳-۲ آزمون پایایی
۴-۴ مدل سازی معادله ساختاری
۴-۵ فرضیات- آزمون مسیر
۵-نتیجه گیری و اهمیت تحقیق
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بخشی از ترجمه |
چکیده ۱-مقدمه |
بخشی از مقاله انگلیسی |
Abstract It is commonly believed that good security improves trust, and that the perceptions of good security and trust will ultimately increase the use of electronic commerce. In fact, customers’ perceptions of the security of e-payment systems have become a major factor in the evolution of electronic commerce in markets. In this paper, we examine issues related to e-payment security from the viewpoint of customers. This study proposes a conceptual model that delineates the determinants of consumers’ perceived security and perceived trust, as well as the effects of perceived security and perceived trust on the use of e-payment systems. To test the model, structural equation modeling is employed to analyze data collected from 219 respondents in Korea. This research provides a theoretical foundation for academics and also practical guidelines for service providers in dealing with the security aspects of e-payment systems. ۱٫ Introduction Electronic commerce (EC) is built upon e-payment systems (EPS). As EC becomes a major component of business operations for many companies, e-payment has become one of the most critical issues for successful business and financial services (Hsieh 2001, Peha and Khamitov 2004, Stroborn et al. 2004, Linck et al. 2006, Cotteleer et al. 2007, Kousaridas et al. 2008). In comparison to the traditional payment methods, e-payment techniques have several favorable characteristics, including security, reliability, scalability, anonymity, acceptability, privacy, efficiency, and convenience (Chou et al. 2004, Stroborn et al. 2004, Tsiakis and Sthephanides 2005, Linck et al. 2006, Cotteleer et al. 2007, Kousaridas et al. 2008). EPS have gained recognition and have been deployed throughout the world. Countries such as France, the US, and the UK have fully developed systems, while regions such as the Asia–Pacific rim provide the growth impetus to the industry. Our research uses Korea as the site of the empirical investigation because the supporting infrastructure required for the EPS development has been put in place. Korea has aggressively pursued the development of IT and networks and created a world-class IT infrastructure (Au and Kauffman 2008). Since the mid-1990s, the Korean government has enforced a number of policies for spreading and promoting EC. As a result of these focused investments, Korea now boasts a world-class infrastructure for EC. According to the annual report of EC published by the Korea Ministry of Commerce in 2007, the total EC market size in Korea was USD 507.42 billion with a growth of 34.6% compared to the previous year. Meanwhile, Korea also has one of the highest per-capita usage statistics for the Internet; the number of Internet users was 34,430,000 (or 75.5% of the population aged six or older) and continues to rise. In the meantime, online shopping and transactions have become a normal part of life for average consumers. The e-commerce market in Korea is expected to double annually in the next five years. Since Korea is the world’s second-fastest-growing IT market, EPS will play an important role in executing wide-ranging activities and actively confronting changing economic conditions. In fact, many EPS brands such as Easycash, Easypaydirect, Inipay, iCash, eGate, eCredit, Smartpay, mypay.net, Payplus, and Paymatics have been established in the recent years. While good EPS have a number of advantages over the traditional payment methods, they must be free of security breaches (Hegarty et al. 2003, Linck et al. 2006). The Gartner Group reports that 95% of customers are somewhat concerned about privacy or security when using credit cards on the Internet; Harris interactive also reports that six in ten respondents fear credit card theft. A key factor for the success of EPS is security, a requirement that is becoming even more crucial in the current global EC environment (Herzberg 2003, Stroborn et al. 2004, Peha and Khamitov 2004, Tsiakis and Sthephanides 2005, Linck et al. 2006, Cotteleer et al. 2007). Transactions in EC can occur without any prior human contact or established interpersonal relationships. Stories about EC security threats from the media or interpersonal networks can undermine trust in EPS and cause people to fall back on the interpersonal trust that arises in human-to-human interactions. Generally, security is a set of procedures, mechanisms, and computer programs for authenticating the source of information and guaranteeing the process (Theodosios and George 2005, Linck et al. 2006). Although extant literature extensively addresses technical details of security and trust in EPS from the perspective of merchants or EPS service providers, consumers’ perceptions of the security of EPS have not been well addressed and empirical studies are lacking in this area (Linck et al. 2006). A number of e-payment systems have recently emerged on the Internet. Although various security measures and mechanisms have been designed for these EPS, many security problems still remain (Hsieh 2001, Chou et al. 2004, Dai and Grundy 2007, Kousaridas et al. 2008). Hence, there is a growing need to minimize the risks associated with e-payment transaction processes (Tsiakis and Sthephanides 2005). Since the majority of users of EPS are relatively unfamiliar with the technical details of EPS, they tend to evaluate the security level of EPS on the basis of their experience with user-interfaces. Thus, to attract and retain e-payment users, it is vital to enhance consumers’ perceptions of security and to maintain customers’ trust during e-payment transactions (Chellappa and Pavlou 2002, Stroborn et al. 2004, Tsiakis and Sthephanides 2005, Linck et al. 2006, Kousaridas et al. 2008). The principal objective of this research is to empirically examine, from the viewpoint of consumers, the determinants that affect consumers’ perceptions of security and trust, as well as the effects of perceived security and perceived trust on the use of EPS. In the next section, we review the EPS that currently exist in B2C and C2C EC and examine prior research on security and trust issues in EPS. Section 3 develops an exploratory conceptual model of consumers’ perceived security and perceived trust in the use of EPS, and presents research hypotheses and constructs. We outline research methodology and results in Section 4. Conclusions and research implications are provided in Section 5. |